I can across an interesting article that coincides with what I’ve been thinking hard about these past few days. It’s about black people and wealth disparities. You can read it here . As the product of two generations of a middle class family (grandparents and parents), I don’t have anything to show for all their hard work. No property, no trust fund, no assets. Just a crippling amount of student loan debt. And I know that I’m not the only one in this predicament. Growing up, my father worked and my mother stayed home to care for us. She decided that she wanted to raise her children and homeschool us so she did. As a result, we lived in a single income household. A phenomenon that I’m experiencing now with my household of one. There are so many things that I want to do now but I won’t be able to because of my financial obligations. Transitioning to teaching or a post-doctoral position would require a pay cut of about 20k to 40k per year and I can’t afford that. This year one of my goals is to become more financially literate and I’m working on it. However, I wish that I didn’t have to start from the bottom and if I ever make enough money to afford kids I want them to have a different experience. It’s like I’m starting off at a disadvantage and don’t have the opportunity to at least start at baseline. Definitely tough.